Can I retire at age 35 with 510,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$42,115$41,740$41,374$41,017$40,668$40,311
2 years$20,849$20,461$20,085$19,720$19,366$19,005
3 years$13,761$13,371$12,996$12,635$12,286$11,935
4 years$10,218$9,829$9,458$9,103$8,763$8,422
5 years$8,093$7,706$7,340$6,992$6,661$6,333
6 years$6,676$6,293$5,932$5,591$5,271$4,955
7 years$5,665$5,285$4,929$4,597$4,287$3,983
8 years$4,907$4,530$4,180$3,856$3,556$3,265
9 years$4,317$3,944$3,600$3,285$2,995$2,717
10 years$3,846$3,477$3,139$2,831$2,552$2,286
11 years$3,461$3,095$2,764$2,464$2,195$1,941
12 years$3,140$2,778$2,453$2,161$1,902$1,660
13 years$2,869$2,510$2,191$1,908$1,658$1,429
14 years$2,637$2,282$1,969$1,694$1,454$1,235
15 years$2,435$2,085$1,778$1,511$1,280$1,073
16 years$2,259$1,913$1,612$1,353$1,131$935
17 years$2,104$1,761$1,466$1,215$1,003$817
18 years$1,967$1,628$1,339$1,095$892$716
19 years$1,844$1,508$1,226$990$795$629
20 years$1,733$1,402$1,125$896$710$553
21 years$1,633$1,306$1,035$813$635$487
22 years$1,543$1,219$953$740$570$430
23 years$1,460$1,140$880$674$511$380
24 years$1,384$1,068$814$614$460$336
25 years$1,315$1,002$754$561$414$298
26 years$1,251$942$699$513$372$264
27 years$1,192$887$649$470$336$234
28 years$1,137$835$604$430$303$208
29 years$1,086$788$562$395$274$184
30 years$1,038$744$523$362$247$164
31 years$994$704$488$333$224$146
32 years$952$666$455$306$202$129
33 years$913$630$425$281$183$115
34 years$877$598$397$259$166$102
35 years$842$567$371$238$150$91
36 years$810$538$347$219$136$81
37 years$779$511$325$202$123$72
38 years$751$486$304$186$112$64
39 years$723$462$285$172$101$57
40 years$697$439$267$158$92$51
41 years$673$418$251$146$83$46
42 years$649$398$235$135$76$41
43 years$627$379$221$124$69$36
44 years$606$362$207$115$62$32
45 years$586$345$194$106$57$29
46 years$567$329$183$98$51$26
47 years$548$314$172$91$47$23
48 years$531$300$161$84$42$20
49 years$514$286$152$77$38$18
50 years$498$273$143$71$35$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $510,000, adding $5,109 every year, while hoping to spend $36,568 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 41/43/16 Blend
34$510,000$510,000$510,000$510,000
35$567,290$540,260$532,355$587,679
36$586,245$527,825$511,281$590,164
37$605,909$513,554$488,275$588,891
38$626,314$497,321$463,234$586,733
39$647,496$478,987$436,051$583,628
40$669,493$458,411$406,611$579,509
41$692,347$435,438$374,798$574,307
42$716,101$409,909$340,488$567,948
43$740,801$381,653$303,553$560,356
44$766,498$350,489$263,857$551,449
45$793,245$316,227$221,261$541,143
46$821,101$278,667$175,617$529,349
47$850,126$237,595$126,774$515,974
48$880,388$192,786$74,570$500,920
49$911,958$144,003$18,839$484,086
50$944,915$90,996$0$465,364
51$979,341$33,500$0$451,580
52$1,015,327$0$0$439,564
53$1,052,970$0$0$439,617
54$1,092,377$0$0$456,284
55$1,133,661$0$0$473,762
56$1,176,947$0$0$492,109
57$1,222,369$0$0$511,382
58$1,270,073$0$0$531,647
59$1,320,219$0$0$552,975
60$1,372,978$0$0$575,441
61$1,428,538$0$0$599,130
62$1,487,105$0$0$624,133
63$1,548,900$0$0$650,548
64$1,614,167$0$0$678,485
65$1,683,170$0$0$708,061
66$1,756,199$0$0$739,405
67$1,833,569$0$0$772,659
68$1,915,626$0$0$807,977
69$2,002,745$0$0$845,527
70$2,095,341$0$0$885,494
71$2,193,863$0$0$928,079
72$2,298,805$0$0$973,505
73$2,410,708$0$0$1,022,013
74$2,530,165$0$0$1,073,869
75$2,657,823$0$0$1,129,365
76$2,794,394$0$0$1,188,818
77$2,940,658$0$0$1,252,580
78$3,097,469$0$0$1,321,035
79$3,265,767$0$0$1,394,603
80$3,446,580$0$0$1,473,749
81$3,641,039$0$0$1,558,979
82$3,850,384$0$0$1,650,853
83$4,075,978$0$0$1,749,983
84$4,319,318$0$0$1,857,042
85$4,582,047$0$0$1,972,772
86$4,865,973$0$0$2,097,984
87$5,173,081$0$0$2,233,574
88$5,505,553$0$0$2,380,524
89$5,865,789$0$0$2,539,916
90$6,256,427$0$0$2,712,937
91$6,680,369$0$0$2,900,897
92$7,140,805$0$0$3,105,232
93$7,641,246$0$0$3,327,525
94$8,185,551$0$0$3,569,518
95$8,777,971$0$0$3,833,125
96$9,423,177$0$0$4,120,455
97$10,126,316$0$0$4,433,828
98$10,893,047$0$0$4,775,796
99$11,729,600$0$0$5,149,172
100$12,642,834$0$0$5,557,049